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Home Refinance Loan Ratesin Kentucky
Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Kentucky and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.
(Last Updated: 12/30/2025)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Lower your monthly mortgage payment with a streamlined refinance | View Details Sponsored
|
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|
5.651% APR | 5.490% Rate 30 day rate lock | $1,815 Payment per month |
0.981 Points$3,139 Points Fee
|
$5,806 Total Fees$2,667 Lender Fees
|
30 Years Fixed | |
|
5.963% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.949 Points$3,037 Points Fee
|
$3,037 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
5.982% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.751 Points$2,403 Points Fee
|
$3,698 Total Fees$1,295 Lender Fees
|
30 Years Fixed | |
|
5.991% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.951 Points$3,043 Points Fee
|
$4,038 Total Fees$995 Lender Fees
|
30 Years Fixed | |
|
6.077% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.938 Points$3,002 Points Fee
|
$3,002 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.151% APR | 6.000% Rate 45 day rate lock | $1,919 Payment per month |
0.625 Points$2,000 Points Fee
|
$5,200 Total Fees$3,200 Lender Fees
|
30 Years Fixed | |
|
6.212% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.707 Points$2,262 Points Fee
|
$2,962 Total Fees$700 Lender Fees
|
30 Years Fixed | |
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PENNYMAC |
5.830% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.873 Points$2,794 Points Fee
|
$2,794 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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